Everything went wrong, we had an accident, that both of the drivers were at fault, in a roundabout, it was minor accident, and the insurance company write off our car, immediately they canceled our policy without telling us, and took the premium without warning, after 2 months of waiting and calling non stop everyday ( they make you wait hours in the phone) they finally gave my car back and i asked for a second opinion that fixed my car with no problem, the insurance company tried to trick us into paying the excess plus VAT, but the garage said that was admiral responsibility.It's time to renew and now they want us to pay 500 more per year. avoid at all costs.